Welcome to Online Banking at Point Breeze Credit Union.

NEW USERS: If you are a first time user (i.e., you have not registered for Online Banking prior to 2/5/14), please enter your full member number in the Username field and the four-digit PIN provided to you at account opening in the Password field. (Typically the PIN is the last four digits of the primary account holder’s social security number.) You will then be able to set up your own unique username and password for future use.

CONVERTING USERS: When you log in to the new Online Banking system for the first time, you will not use your current password. Instead, you must enter your full member number in the Username field and the temporary password which is the last six digits of your social security number. You will then be able to set up your own unique username and password for future use.

If you need assistance, please call our Member Service Center at 410.584.7228.

APR=Annual Percentage Rate. Rates listed above are the best rates for all the terms indicated and reflect the discount for payroll deduction of loan payments. Your rate may vary based on the term, loan amount and your credit history. Maximum loan term is based on the amount borrowed. Other terms may be available. Rates are subject to change without notice. Excludes current Point Breeze loans.

Motorcycle Boat and RV Loan Rates

Product

APR as low as

Maximum Term (in months)

Monthly Payment (per $1,000)

Minimum Loan Amount

ProductNew Motorcycle/Boat/RV

APR as low as3.49%

Maximum Term (in months)60

Monthly Payment (per $1,000)$17.27

Minimum Loan AmountNone

ProductNew Motorcycle/Boat/RV

APR as low as4.00%

Maximum Term (in months)72

Monthly Payment (per $1,000)$15.42

Minimum Loan AmountNone

ProductUsed Motorcycle/Boat/RV

APR as low as3.74%

Maximum Term (in months)36

Monthly Payment (per $1,000)$29.19

Minimum Loan AmountNone

ProductUsed Motorcycle/Boat/RV

APR as low as3.74%

Maximum Term (in months)60

Monthly Payment (per $1,000)$18.08

Minimum Loan Amount$5,000

APR=Annual Percentage Rate. Rates listed above are the best rates for all the terms indicated and reflect the discount for payroll deduction of loan payments. Your rate may vary based on the term, loan amount and your credit history. Maximum loan term is based on the amount borrowed. Other terms may be available. Rates are subject to change without notice. Excludes current Point Breeze loans.

Mortgage Rates

Product

APR as low as

Points

Monthly Payment (per $1,000)

Product5 Year Fixed

APR as low as2.875%

PointsNone

Monthly Payment (per $1,000)$17.92

Product10 Year Fixed

APR as low as3.00%

PointsNone

Monthly Payment (per $1,000)$9.66

Product15 Year Fixed

APR as low as3.25%

PointsNone

Monthly Payment (per $1,000)$7.03

Product20 Year Fixed

APR as low as3.875%

PointsNone

Monthly Payment (per $1,000)$6.00

Product30 Year Fixed

APR as low as4.00%

PointsNone

Monthly Payment (per $1,000)$4.78

Product5/1 Adjustable Rate

APR as low asIntro 2.50%

PointsNone

Monthly Payment (per $1,000)--

APR=Annual Percentage Rate. Rates are subject to change without notice.
Rates listed above are the lowest rates. Actual rate may vary based on
term, loan amount, credit history and other factors. Rates listed are
available on loans up to $417,000. Jumbo mortgages are also available.
Minimum down payment is 5-10%. Speak with a representative about closing
costs.

Home Equity Loan Rates

Product

APR as low as

Points

Monthly Payment (per $1,000)

Product5 Year Fixed

APR as low as4.25%

PointsNone

Monthly Payment (per $1,000)$18.54

Product10 Year Fixed

APR as low as4.50%

PointsNone

Monthly Payment (per $1,000)$10.37

Product15 Year Fixed

APR as low as4.99%

PointsNone

Monthly Payment (per $1,000)$7.91

Product20 Year Fixed

APR as low as7.50%

PointsNone

Monthly Payment (per $1,000)$8.06

ProductHome Equity Line of Credit (HELOC)

APR as low asIntro 0.99%

PointsNone

Monthly Payment (per $1,000)--

ProductInterest Only HELOC

APR as low asIntro 0.99%

PointsNone

Monthly Payment (per $1,000)--

APR=Annual Percentage Rate. Rates are subject to change without notice.
Borrow up to 100% Loan-to-Value or $100,000 maximum. Rates listed above
are the lowest rates. Actual rate may vary based on term, loan amount,
credit history and other factors. Home Equity Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 3.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 8.25% APR. Minimum loan amount is $7,500. Maximum loan amount is up to 80% loan-to-value or $250,000. Interest Only HELOC: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 3.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 8.25% APR. You may pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Maximum loan amount is up to 80% loan-to-value or $250,000. Speak with a representative about closing costs.

Visa® Credit Card Rate

Product

APR as low as

Annual Fee

ProductPoint Breeze Visa® Credit Card

APR as low as9.95%

Annual FeeNone

APR=Annual Percentage Rate. Rate is subject to change without notice. Rate listed above is the lowest rate available. Actual rate may vary based on individual credit history. Lowest rate available is the floor rate. See application for full disclosure.

Personal (Unsecured) Loan Rate

Product

APR as low as

Maximum Term (in months)

Monthly Payment (per $1,000)

Maximum Loan Amount:

ProductPersonal (Unsecured)

APR as low as9.95%

Maximum Term (in months)60

Monthly Payment (per $1,000)$21.23

Maximum Loan Amount:$10,000

APR=Annual Percentage Rate. Rate is subject to change without notice.
Rate listed above is the lowest rate. Actual rate may vary based on
term, loan amount, credit history and other factors. Other terms may be
available.

Share/Savings Secured Loan Rate

Product

APR as low as

Maximum Term (in months)

Monthly Payment (per $1,000)

Maximum Loan Amount

ProductShare/Savings Secured

APR as low as5.00%

Maximum Term (in months)120

Monthly Payment (per $1,000)$10.61

Maximum Loan Amount$100,000

APR=Annual Percentage Rate. Rate is subject to change without notice.
Rate listed above is the lowest rate. Actual rate may vary based on
term, loan amount, credit history and other factors. Other terms may be
available.

Home Improvement Loan Rate

Product

APR as low as

Maximum Term (in months)

Monthly Payment (per $1,000)

Maximum Loan Amount

ProductHome Improvement

APR as low as7.75%

Maximum Term (in months)60

Monthly Payment (per $1,000)$20.16

Maximum Loan Amount$7,500

APR=Annual Percentage Rate. Rate is subject to change without notice.
Rate listed above is the lowest rate. Actual rate may vary based on
term, loan amount, credit history and other factors. Other terms may be
available. Home Improvement Loans must meet certain qualifications.
Speak with a representative for details.